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To receive your card, you must enter a physical U.S. address. Cards cannot be sent to post office boxes.


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Why do we need this?
To assist the government in the fight against terrorism, all financial institutions are required by Federal law to obtain, verify, and record personal information which identifies each person. Your information is always safe and secure. We use the highest grade Secure Sockets Layer (SSL) protocol commercially available.

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Most employers offer free Direct Deposit which is a service that electronically deposits your paycheck into a bank account of your choosing. Benefit Providers, such as Social Security, SSI, State Disability and other federal and state benefit providers, also offer Direct Deposit.

Yes, I have read and agree to the Cardholder Agreement and Consent to Electronic Disclosures and acknowledge receipt of the Privacy Policies.  AccountNow sends transactional and promotional emails.  I understand I may opt-out of promotional emails anytime in the future by using the link provided at the bottom of each email message.

AccountNow Cardholder Agreement
Cardholder Agreement

Terms and Conditions/Definitions for the AccountNow® Gold Visa® Prepaid Card or AccountNow® Prepaid Visa® Card

This Cardholder Agreement (“Agreement”) outlines the terms and conditions under which the AccountNow Gold Visa Prepaid Card (“AccountNow Gold”) or AccountNow Prepaid Visa Card has been issued to you by The Bancorp Bank, Wilmington, Delaware (“The Bancorp Bank” or “Issuer”). The Issuer is an FDIC insured member institution. “Card” means the AccountNow Gold Visa Prepaid Card or AccountNow Prepaid Visa Card issued to you by The Bancorp Bank. Your Card Account is administered by AccountNow, Inc., which is an Independent Sales Organization (“ISO”) pursuant to an agreement with The Bancorp Bank. AccountNow provides certain support and marketing services for the Card. By accepting and using the Card, you agree to be bound by the terms and conditions contained in this Agreement. “Card Account” means the records we maintain to account for the value of claims associated with the Card. “Account Number” means the 13-digit number used to identify your Card Account. “Card Number” is the 16-digit number embossed on your Card. “You” and “your” mean the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement. “We,” “us,” and “our” mean the Issuer, our successors, affiliates or assignees. “AccountNow” means AccountNow, Inc. You acknowledge and agree that the value available in the Card Account is limited to the funds that you have loaded into the Card Account or have been loaded into the Card Account on your behalf. You agree to sign the back of the Card immediately upon receipt. The expiration date of the Card is identified on the front of your Card. The Card is a prepaid card. The Card is not connected in any way to any other account you may have. The Card is not a credit card. The Card is not for resale. You will not receive any interest on your funds in the Card Account. The Card will remain the property of the Issuer and must be surrendered upon demand. The Card is nontransferable and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. The Card is not designed for business use, and we may close your Card if we determine that it is being used for business purposes. We may refuse to process any transaction that we believe may violate the terms of this Agreement.

Our business days are Monday through Friday, excluding federal holidays, even if we are open. Any references to “days” found in this Agreement are calendar days unless indicated otherwise.

Write down your Card Number and the customer service phone number provided in this Agreement on a separate piece of paper in case your Card is lost, stolen, or destroyed. Keep the paper in a safe place. Please read this Agreement carefully and keep it for future reference.


To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.

Activate Your Card

You must activate your Card before it can be used. You may activate your Card by going to or calling 1-888-396-9465. You will need to provide personal information in order to verify your identity.

Personal Identification Number

You will not receive a Personal Identification Number (“PIN”) with your Card. However, you will receive a PIN once you have activated your Card with your personal information. You should not write or keep your PIN with your Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the procedures in the paragraph labeled “Your Liability for Unauthorized Transfers.” To activate your Card, go to or call us at 1-888-396-9465 and provide your Card Number and social security number. We may ask you to provide a driver's license or other information that will identify you.

Authorized Card Users

You are responsible for all authorized transactions initiated and fees incurred by use of your Card. If you permit another person to have access to your Card or Card Number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of each Card according to the terms and conditions of this Agreement.

Secondary Cardholder

You may request an additional Card for another person. The maximum number of additional Cards permitted is one (1). You must notify us to revoke permission for any person you previously authorized to use the Card. If you notify us to revoke another person’s use of the Card, we may revoke your Card and issue a new Card with a different number. You remain liable for any and all usage of an additional Card you authorize. There is a fee for obtaining an additional Card (see the Fees and Limitations section below).

Your Representations and Warranties

By activating the Card or by retaining, using or authorizing the use of the Card, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. citizen or legal alien residing in the United States or the District of Columbia; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information that you provide to us in connection with the Card is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you accept the Card.

Cash Access

With your PIN, you may use your Card to obtain cash from any Automated Teller Machine (“ATM”) that bears the Visa®, Plus®, STAR®, NYCE® or Allpoint® Acceptance Mark or any Point-of-Sale (“POS”) device, as permissible by a merchant, that bears the Visa®, Interlink®, STAR® or NYCE® Acceptance Mark. All cash withdrawal transactions and other transactions performed at ATMs are subject to applicable fees. The maximum cumulative amount that may be withdrawn per day from an ATM or from a participating bank (over the counter withdrawal) is specified in the Usage Limits section. Any funds withdrawn from a POS device will be subject to the maximum amount that can be spent on your Card per day.

Loading Your Card

You may add funds to your Card, called “value loading”, at any time. The minimum amount of the initial value load is $0.01. The minimum amount of each value reload is $0.01. There are limits on the number of times you may value load your Card. Please refer to the Usage Limits section. For purposes of the limits on value loading, your value loads are aggregated with any other Cards you have authorized. You may add value or load your Card via direct deposit, Automated Clearing House (ACH) transfer from a checking or savings account, via cash load using authorized third party money transfer services or via Card-to-Card transfer. You will have access to your funds within one (1) hour after a cash load, and immediately upon completing a Card-to-Card transfer. Funds loaded by direct deposit or ACH transfer are available no later than the end of the settlement date specified by the originator, provided that we receive the funds before the last posting window of the settlement date. If we receive the funds after the last posting window of the settlement date, the funds will be made available on the next posting window. All value loads are subject to verification, which could delay your access to your funds. You may find additional information on authorized third party money transfer services, how to initiate a value load, where to load your Card and the timeframe for each loading method by visiting Personal checks, cashiers checks, and money orders sent to the Issuer are not an acceptable form of loading. All checks and money orders sent to the Issuer for Card loading will be returned unless the full amount may be applied towards a negative balance, in which case the check or money order may or may not be loaded to the Card at the discretion of the Issuer.

Direct Deposit Account

You may obtain our bank routing number and your 13-digit Account Number by calling us at 1-877-984-7465. The bank routing number and your assigned Account Number are for the purpose of initiating direct deposits to your Card Account and authorized ACH debit transactions only. The 16-digit Card Number embossed on your Card should not be used for these types of transactions or they will be rejected. You are not authorized to use the bank routing number and Account Number to make a debit transaction that is converted to a paper check, check-by-phone or other item processed as a check, or if you do not have sufficient funds in your account. These debits will be declined and your payment will not be processed. You will be assessed an ACH Debit Fee each time funds are withdrawn from your Card Account using our bank routing number and your 13-digit Account Number (see the Fees and Limitations section below).

Using Your Card/Features

The maximum amount that can be spent on your Card per day and the maximum value on the Card can be found under the Usage Limits section.

You may use your Card to purchase or lease goods or services everywhere Visa debit cards, Interlink cards, STAR cards or NYCE cards are accepted as long as you do not exceed the value available on your Card Account. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined.

If you use your Card at an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $125.00 or more. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount.

If you use your Card Number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You may not use your Card for online gambling or any illegal transaction.

Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees.

You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card, except as otherwise provided herein. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days.

Non-Visa Debit Transactions

New procedures are in effect that may impact you when you use your Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a STAR or NYCE transaction.

Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the STAR or NYCE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the STAR or NYCE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions.

To initiate a Visa debit transaction at the POS, swipe your Card through a POS terminal, sign the receipt, or provide your Card Number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter your PIN at the POS terminal or provide your Card Number after clearly indicating a preference to route your transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

Returns and Refunds

If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Card for such refunds and agree to the refund policy of that merchant. The Issuer or AccountNow is not responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a Card. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided.

Card Replacement

If you need to replace your Card for any reason, please contact us at 1-877-984-7465 to request a replacement Card. You will be required to provide personal information which may include your Card Number, full name, transaction history, copies of accepted identification, etc.

Transactions Made In Foreign Currencies

If you obtain your funds or make a purchase in a currency other than the currency in which your Card was issued, the amount deducted from your funds will be converted by Visa into an amount in the currency of your Card. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. If you obtain your funds or make a purchase in a currency other than the currency in which your Card was issued, the Issuer may assess a foreign currency conversion fee of 3.00% of the transaction amount and will retain this amount as compensation for its services. Transactions made outside of the 50 United States and the District of Columbia are also subject to this conversion fee even if they are completed in U.S. currency.


You should get a receipt at the time you make a transaction using your Card. You agree to retain, verify, and reconcile your transactions and receipts.

Card Account Balance/Periodic Statements

You are responsible for keeping track of your Card Account available balance. Merchants generally will not be able to determine your available balance. It’s important to know your available balance before making any transaction. You may obtain information about the amount of money you have remaining in your Card Account by calling 1-877-984-7465. This information, along with a sixty (60) day history of Card Account transactions, is also available online at You also have a right to obtain a sixty (60) day written history of Card Account transactions by calling 1-877-984-7465 or by writing us at AccountNow Customer Service, P.O. Box 1966, San Ramon, CA 94583. However, there is a fee for this service. You will not automatically receive paper statements.

Fees and Limitations

All fee amounts will be withdrawn from your Card Account and will be assessed as long as there is a remaining balance on your Card Account, except where prohibited by law. Any time your remaining Card Account balance is less than the fee amount being assessed, the balance of your Card Account will be applied to the fee amount resulting in a negative balance on your Card Account. If that occurs, funds subsequently deposited into your Card Account will be applied to the negative balance.

The following fees and usage limits apply to your Card Account. Transaction fees and usage limits may change without prior notice, except as required by law. For example, you may not receive prior notice of a change if the change is made for security purposes.
Description Fee
Activation Fee applied at first load of Card (SVC CHG FIRST LOAD) $4.95; one time charge
Card purchases when using your signature (Visa Purchase) (SVC CHG NO PIN TRN) $1.00 per transaction
Card purchases when using your PIN (Debit Purchase) (SVC CHG PIN TRAN) $1.00 per transaction
Using an ATM to obtain Card Account balance
$1.00 per transaction
Using a U.S. ATM to withdraw money
$2.50 per transaction
Tip: To avoid ATM fees, select “Debit” and enter your PIN to get cash back when making purchases at many retailers, such as grocery stores.
ATM Withdrawal Decline (SVC CHG NSF ATM) $1.00 per transaction
Adding Money by Direct Deposit $0.00
Card to Card Transfer
Transferring funds from one Card to another
Managing your Card account online, online statements $0.00
Paying your bills online with Bill Pay (non-expedited service) $0.00
Deposit, balance, and other account information sent to your cell phone with Mobile Text Alerts $0.00
(Carrier fees may apply)

Other Fees (for optional and less common services)

Description Fee
Bank Teller Cash Withdrawal (SVC CHG CASH ADV) $15.00 per transaction
Express Delivery Charge (DR ADJ EXPEDTD FEE; SVC CHG EXPED CARD) $25.00 per occurrence
When funds are withdrawn from your Card Account using our bank routing number and your 13-digit Account Number
$2.50 per transaction
Tip: To avoid ACH debit fees you can use the online Bill Pay service we make available to you to make payments to payees instead of using our bank routing number and your Account Number for payment.
Bill Pay Expedited Service (BILL PAYMENT)
To have your funds delivered one to four business days faster
$9.95 per request
Bill Pay Stop Payment (BILL PAYMENT) $20.00 per request
Additional Card (SVC CHG REPLACE CARD) $10.00 per request
Paper Statement (STATEMENT FEE)
Mailing Paper Statements or documents relating to your Card Account
$1.00 per paper statement or document mailed;
no charge for online access.
International ATM Withdrawal (SVC CHG ATM WITHDRAW) $4.95 per transaction
Foreign Currency Conversion (SVC CHG INTRNTL TRAN) 3% of transaction amount after conversion

If you use an ATM not owned by us for any transaction, including a balance inquiry, you may be charged a fee by the ATM operator even if you do not complete a withdrawal. This ATM fee is a third party fee amount assessed by the individual ATM operator only and is not assessed by us. This ATM fee amount will be charged to your Card.

Usage Limits

Transaction Type Frequency and/or Dollar Limits
(for typical transactions)
Cash Withdrawal (ATM) $300.00 per day
Cash Withdrawal (Over the Counter) $1,000.00 per day
Card Purchases (Signature) $2,000.00 per day
Card Purchases (PIN) $2,000.00 per day
Direct Deposits & ACH Deposits (Amount) $10,000.00 per day
Direct Deposits & ACH Deposits (Frequency) 8 per day
Cash Deposits (Amount)** $1,500.00 per day;
$9,500.00 per month
(past 30 days)**
Cash Deposits (Frequency)** 5 per day;
30 per month
(past 30 days)**
Cash/ Direct Deposit/ACH Deposits Combined (Amount) $10,000.00 per day
Cash/ Direct Deposit/ACH Deposits Combined (Frequency) 8 per day
Card-to-Card Transfers (Amount) $300.00 per day;
$3,000.00 per calendar month
Card-to-Card Transfers (Frequency) 3 per day
Maximum balance at any given time $10,000.00

** Third party money transfer services used to load funds to your Card Account may have their own daily, weekly or monthly limits on the frequency or amount of cash you can value load to your Card Account.

Preauthorized Payments - Right to Stop Payment

If you have told us in advance to make regular payments out of your Card Account, you can stop any of these payments. Here’s how: Call us at 1-877-984-7465 or write us at AccountNow Customer Service, P.O. Box 1966, San Ramon, CA 94583 in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within fourteen (14) days after you call. If you order us to stop one (1) of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

If these regular payments may vary in amount, the person you are going to pay will tell you, ten (10) days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)


We may disclose information to third parties about your Card or the transactions you make:
  1. Where it is necessary for completing transactions;
  2. In order to verify the existence and condition of your Card for a third party, such as merchant;
  3. In order to comply with government agency, court order, or other legal or administrative reporting requirements;
  4. If you consent by giving us your written permission;
  5. To our employees, auditors, affiliates, service providers, or attorneys as needed; or
  6. Otherwise as necessary to fulfill our obligations under this Agreement.

Our Liability for Failure to Complete Transactions

If we do not properly complete a transaction from your Card on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
  1. If through no fault of ours, you do not have enough funds available on your Card to complete the transaction;
  2. If a merchant refuses to accept your Card;
  3. If an ATM where you are making a cash withdrawal does not have enough cash;
  4. If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction;
  5. If access to your Card has been blocked after you reported your Card lost or stolen;
  6. If there is a hold or your funds are subject to legal or administrative process or other encumbrance restricting their use;
  7. If we have reason to believe the requested transaction is unauthorized;
  8. If circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; or
  9. Any other exception stated in our Agreement with you.

Your Liability for Unauthorized Transfers

Contact us at once if you believe your Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call us at 1-877-984-7465. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by Visa or ATM cash withdrawals. If you notify us within two (2) business days of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00.

Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the paragraph labeled, “Information About Your Right to Dispute Errors.” If you do not notify us in writing within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of your Card. If your Card has been lost or stolen, we will close your Card Account to keep losses down.

Other Miscellaneous Terms

Your Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at any time. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the law of the State of Delaware except to the extent governed by federal law.

Amendment and Cancellation

We may amend or change the terms and conditions of this Agreement at any time. You will be notified of any change in the manner provided by applicable law prior to the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice. We may cancel or suspend your Card or this Agreement at any time. You may cancel this Agreement by returning the Card to us. Your cancellation of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination. In the event that your Card Account is cancelled, closed, or terminated for any reason, you may request the unused balance to be returned to you via a check to the mailing address we have in our records. The Issuer reserves the right to refuse to return any unused balance amount less than $1.00.

Information About Your Right to Dispute Errors

In case of errors or questions about your electronic transactions, call 1-877-984-7465 or write to AccountNow Customer Service, P.O. Box 1966, San Ramon, CA 94583, Attention: Disputes if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your Card Account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 1-877-984-7465 or writing us at AccountNow Customer Service, P.O. Box 1966, San Ramon, CA 94583. You will need to tell us:

  1. Your name and Card Account number.
  2. Why you believe there is an error, and the dollar amount involved.
  3. Approximately when the error took place.

If you provide this information orally, we will require that you send your complaint or question in writing within ten (10) business days.

We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your Card within ten (10) business days for the amount you think is in error, so that you will have the money during the time it takes to complete the investigation. If we ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we may not credit your Card.

For errors involving new Cards, POS transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new Card Accounts, we may take up to twenty (20) business days to credit your Card Account for the amount you think is in error.

We will tell you the results within three (3) business days after completing the investigation. If we decide that there was no error, we will send you a written explanation. Copies of the documents used in the investigation may be obtained by contacting us at 1-877-984-7465. If you need more information about our error-resolution procedures, call us at the telephone number shown above.

English Language Controls

Any translation of this Agreement is provided for your convenience. The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. Any translation provided may not accurately represent the information in the original English.

Customer Service

For customer service or additional information regarding your Card, please contact us at:
AccountNow Customer Service
P.O. Box 1966
San Ramon, CA 94583
Customer Service agents are available to answer your calls Monday through Friday 7:00 a.m. to 7:00 p.m. CT (holidays excluded). Hours may be extended during peak times of the year.

Telephone Monitoring/Recording

From time to time we may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law.


Any claim, dispute, or controversy (“Claim”) arising out of or relating in any way to: i) this Agreement; ii) your Card; iii) the Cards of any additional cardholders designated by you; iv) your purchase of the Card; v) your usage of the Card; vi) the amount of available funds in the Card Accounts; vii) advertisements, promotions or oral or written statements related to the Cards, as well as goods or services purchased with the Card; viii) the benefits and services related to the Cards; or ix) transaction on the Card, no matter how described, pleaded or styled, shall be FINALLY and EXCLUSIVELY resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act (9 U.S.C. 1-16).

We will pay the initial filing fee to commence arbitration and any arbitration hearing that you attend shall take place in the federal judicial district of your residence.


For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: AAA, at 335 Madison Avenue, New York, NY 10017 or at

All determinations as to the scope, interpretation, enforceability and validity of this Agreement shall be made final exclusively by the arbitrator, which award shall be binding and final. Judgment on the arbitration award may be entered in any court having jurisdiction.


This arbitration provision shall survive: i) the termination of the Agreement; ii) the bankruptcy of any party; iii) any transfer, sale or assignment of your Card, or any amounts owed on your Card, to any other person or entity; or iv) expiration of the Card. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall remain in force.


This Cardholder Agreement is effective 10/2014.
Consent to Electronic Disclosures
Consent to Electronic Disclosures

We suggest you read this document and print a copy for your reference.

Note: This Consent to Electronic Disclosures (“Disclosure”) applies to any and all communications or disclosures that we are legally required to provide to you in writing in connection with your Prepaid Card and any related products and services (“Communications”).
This Disclosure supplements and is to be construed in accordance with the terms contained in the Cardholder Agreement (“Agreement”) you received when you obtained your Prepaid Card. As used in this Disclosure, “Prepaid Card” means the prepaid card issued by either MetaBank or The Bancorp Bank (each, an “Issuing Bank”) and serviced by AccountNow. “Card Account” means the account you have with the Issuing Bank associated with your Prepaid Card. The words "we," "us," and "our" refer to the Issuing Bank that issued your Prepaid Card. The words "you" and "your" mean you, and the individual(s) identified on the Card Account.

1. Scope of Communications to Be Provided in Electronic Form. When you use a product or service to which this Disclosure applies, you agree that we may provide you with any Communications in electronic format, and that we may discontinue sending paper Communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and transactions includes, but is not limited to:

  • All legal and regulatory disclosures and communications associated with your Prepaid Card and any related products and services
  • Your Cardholder Agreement and any notices about a change in the terms of your Cardholder Agreement
  • Privacy policies and notices
  • Error Resolution policies and notices
  • Responses to claims filed in connection with your Card Account
  • Notices regarding insufficient funds or negative balances

2. Method of Providing Communications to You in Electronic Form. All Communications that we provide to you in electronic form will be provided by e-mail or by access to the following web sites:

  • For Prepaid Cards issued by The Bancorp Bank,
  • For Prepaid Cards issued by MetaBank (other than the MoneyGram AccountNow Prepaid Visa Debit Card),
  • For the MoneyGram AccountNow Prepaid Visa Debit Card,
The Issuing Bank is listed on the back of your Prepaid Card.

3. How to Withdraw Consent. You may withdraw your consent to receive Communications in electronic form at any time by writing us at AccountNow Customer Service, P.O. Box 1966, San Ramon, CA 94583 or calling us at 1-866-921-9885. If you do, we will send subsequent Communications to you in writing to the most current address we have for you in our records. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal. In the meantime, you will continue to receive Communications in electronic form. If you withdraw your consent, the legal validity and enforceability of prior Communications delivered in electronic form will not be affected.

4. How to Update Your Records. It is your responsibility to provide us with a true, accurate and complete e-mail address, your contact information, and other information related to this Disclosure and your Card Account, and to maintain and update promptly any changes in this information. You can update information (such as your e-mail address) by writing us at AccountNow Customer Service, P.O. Box 1966, San Ramon, CA 94583 or calling us at 1-866-921-9885.

5. Hardware and Software Requirements. In order to access, view, and retain electronic Communications that we make available to you, you must have:

  • An Internet browser that supports 128 bit encryption.
  • Microsoft Internet Explorer 8.0 or above, or the equivalent software browser.
  • Sufficient electronic storage capacity on your computer's hard drive or other data storage unit.
  • An e-mail account with an Internet service provider and e-mail software supporting HTML formatting.
  • A personal computer (for PCs: Pentium 120-MHz or higher; for Macintosh, Power Mac 9500, Power PC 604 processor: 120-MHz Base or higher), operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying, and either printing or storing Communications received from us in electronic form via HTML formatted e-mail or by access to our web site using one of the browsers specified above.
  • Adobe Reader version 9.0 or higher.

6. Requesting Paper Copies. We will not send you a paper copy of any Communication, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, contact us by writing us at AccountNow Customer Service, P.O. Box 1966, San Ramon, CA 94583 or calling us at 1-866-921-9885. We may charge you a service charge for the delivery of paper copies of certain Communications provided to you electronically pursuant to this authorization. See the fee schedule in your Agreement for details about this service charge. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.

7. Communications in Writing. All Communications in either electronic or paper format from us to you will be considered "in writing." You should print or download for your records a copy of this Disclosure and any other Communication that is important to you.

8. Federal Law. You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

9. Termination/Changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

Privacy Policy

 Rev 10/2013






Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.




The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security number and income

account balances and payment history

credit history and credit scores

When you are no longer our customer, we continue to share your information, as described in this notice.




All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; whether The Bancorp shares your information; and whether you can limit this sharing.



Reasons we can share your personal information

Does The Bancorp share?

Can you limit this sharing?

For our everyday business purposes —  such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus



For our marketing purposes —  to offer our products and services to you



For joint marketing with other financial companies


We don't share

For our affiliates’ everyday business purposes —  information about your transactions and experiences


We don't share

For our affiliates’ everyday business purposes— information about your creditworthiness


We don't share

For nonaffiliates to market to you







To limit

our sharing

■ Call 1-866-546-7998 - our menu will prompt you through your choice(s) or
■ Go to
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.



Call 1-866-546-7998





Page 2






Who we are

Who is providing this notice?

This privacy policy is provided by The Bancorp and applies to the AccountNow Gold Visa Prepaid Card, AccountNow Prepaid Visa Card and any related products and services.

What we do

How does The Bancorp protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
We also limit access to information to those employees for whom access is necessary.

How does The Bancorp collect my personal information?

  We collect  your personal information, for example, when you:

■ open an account or apply for a loan

■ pay your bills or make a wire transfer

■ provide account information

  We also collect your personal information from others, such as credit bureaus, affiliates or other companies.


Why can’t I limit all sharing?

  Federal law gives you the right to limit only:

■ sharing for affiliates' everyday business purposes — information about your creditworthiness

■ affiliates from using your information to market to you

■ sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.





Companies related by common ownership or control. They can be financial and nonfinancial companies.

■ Our affiliates include financial companies such as The Bancorp Bank and Bancorp Card Services Inc.


Companies not related by common ownership or control. They can be financial and nonfinancial companies.

■ The Bancorp does share with nonaffiliates so they can market to you. You may opt-out of this sharing.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

■ Our joint marketing partners may include other financial companies, such as AccountNow, Inc.



Other important information


*California Residents -- In accordance with California law, we will not share information we collect about you with companies outside of AccountNow, Inc. or The Bancorp, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing around our companies to the extent required by California law.

*Vermont Residents --- In accordance with Vermont law, we will not share personal financial information about you, other than transaction experience information, with other Bancorp companies or affiliates, nor will we share any personal financial information about you with other Bancorp companies for marketing purposes.

*Nevada Residents -- We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by following the directions in the To limit direct marketing contact section. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number- 702.486.3132; email:

For more information you can contact:
AccountNow Customer Service, P.O. Box 1966, San Ramon, CA 94583, telephone 1-877-984-7465.




AccountNow Prepaid Visa Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and can be used everywhere Visa debit cards are accepted. The Bancorp Bank; Member FDIC.
*Important Information for opening a card account: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who opens a card account. What this means for you: When you open a card account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.

There is no additional charge for this feature. Fees apply to your use of the prepaid card. See your Cardholder Agreement for fees, terms and conditions.
AccountNow is a trademark of AccountNow, Inc. All other trademarks, service marks and other registered marks are the property of their respective owners.
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